Headline MMA rate range across the peer set: 315bps (Star One 3.45% vs. 1st United 0.30%). Condition spread within a single institution: 320bps at Patelco (3.25% qualified vs. 0.05% unqualified), 299bps at First Tech (3.00% qualified vs. 0.01% unqualified). The intra-institution gap is wider than the inter-institution gap.
Three condition structures in this set:
- Binary gate. Patelco, First Tech, Provident Premier: qualification flips the rate from a floor (0.01%–0.08%) to a competitive yield. A member without Patelco checking earns 0.05% on any balance.
- Additive boost. TechCU: +10bps at balances ≥$50K with checking and DD. Base rate without boost remains a standing tier (1.00% at $50K).
- Unconditional. Star One: 3.45% at $50 minimum. No relationship gate disclosed.
Comparing headline rates across these structures without standardizing for conditions produces spreads that do not reflect what a given member would actually receive. A peer-set MMA comparison requires a defined member scenario (holds checking or does not, meets spend threshold or does not) before the rate arithmetic is meaningful. Without that definition, the table is sorting unlike products.
Star One — 3.45% APY, $50 min. No relationship condition stated. [Confirmed, 2026-07-24]
Patelco — 3.25% at $250K+ / 2.50% below $50K. Requires Patelco checking + $500/mo qualifying deposits. Without: 0.05% entire balance. [Confirmed, eff. 2026-08-07]
Provident Premier — 3.40% at $125K. Requires $1,000/mo DD to linked checking. Without: 0.08% floor. [Verify — effective date missing]
Provident Regular — 3.10% at $100K. No relationship gate. [Verify — effective date missing]
First Tech — 3.00% flat (all balances). Requires $1K/mo card spend + $1K/mo ACH + e-statements. Without: 0.01%. Structurally noncomparable to tiered MMAs. [Confirmed, eff. 2026-08-05]
TechCU — 2.05% base at $1M+ / 1.00% at $50K. Boost: +10bps with checking + $100 net-pay DD. [Calculated — base confirmed eff. 2026-06-01; boost per disclosed formula]
Stanford FCU — 1.81% Ambassador / 1.56% regular. [Confirmed, eff. 2026-07-27]
1st United — 0.30% at $250K+. No condition. [Confirmed, 2026-08-01]
Fremont Bank — 0.40% at $1M+ (MMA Savings). No condition. [Confirmed, 2026-08-15]